topic Re: Oh no! Paid BOA 99/500 card late! in Credit Cardshttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504603#M161787
<BLOCKQUOTE><HR />NinComPoop wrote:<BR /><BLOCKQUOTE><HR />txjohn wrote:<BR /><BLOCKQUOTE><HR />NinComPoop wrote:<BR /><P>Not sure how it will play out with the secured card but <FONT color="#ff0000">they don't consider you late until you're </FONT>30 days late (meaning missing 2 consecutive payments.) or at least not when I worked there they didn't. Right now you're a 5 days late status.&nbsp; Most credit cards are this way I think.&nbsp; Just a fee assessed but not reported to CB, but I would call customer service to verify just in case.&nbsp; Good luck.</P><HR /></BLOCKQUOTE><P>I respectfully disagree.&nbsp; While BoA will not "report it" to the CRA's until 30 days late, they do track such late payments internally and it can cause rate increases, closures, rejections for CLI and even CLD.&nbsp; CapOne is the same as are many banks.&nbsp; While they profit off the late fees, they will have this "late" in their internal systems.</P><P>&nbsp;</P><P>BE SURE to set this up on auto pay for at least minimum.&nbsp; That way you are never late in such a case of error.</P><HR /></BLOCKQUOTE><P>The policy may have changed <FONT color="#ff0000">but when I worked there in customer marketing</FONT>, which is the division that handles calls from credit card customers for general account inquiries, balance transfers, direct deposits and rate inquires/adjustments it wasn't held against you.&nbsp; A customer may have lost a promo on a balance transfer if they were late but the 30 day status meant something a lot more&nbsp;than a 5 day late.&nbsp; In the climate we are in now that may have changed but I am speaking from experience.&nbsp;</P><P>&nbsp;</P><P>I agree with the auto pay because I remember taking calls from upset customers because BOA will change the due date on someone for no apparent reason and you can request to have a specific due date but it's not written in stone they'll&nbsp;give it to you.&nbsp; I personally felt that it was to get over on people because a day or can be understandable but anywhere from 5-10 days doesn't make any sense, especially with no notice so I would always waive late fees when that happened and encouraged customers to use auto draft.</P><HR /></BLOCKQUOTE><P>I am speaking of "credit analysts" and account review for CLI, CLD, etc.&nbsp; This exact scenario was held against my wife by BoA when asking for a CLI.&nbsp; The credit analyst specifically cited a late payment (paid 2 days late by mistake) as the reason.&nbsp; The late was 6 months previous and she was not even aware that it had been after the "date due" and had to go back and look at her statements and payments to believe it.</P><P>&nbsp;</P><P>While my wife had that experience with BoA, I had the exact same experience with CapOne, who refused me a CLI due to a payment 5 months previous which posted the day after the date due.</P><P>&nbsp;</P><P>I now have ALL accounts set to auto draft the minimum payment due by the CCC, just in case something happens, I forget, the mail gets lost, internet payments fail to post on time or I am hit by a bus and in a coma and unable to make my normal "before statement cut" payment.</P><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by txjohn on </SPAN><SPAN class="local-date">05-16-2009</SPAN><SPAN class="local-time"> 07:42 AM</SPAN></DIV>Sat, 16 May 2009 14:42:05 GMTtxjohn2009-05-16T14:42:05ZOh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504162#M161639
Ack, I'm kicking myself so hard this morning! I logged on to my SO's BOA account to pay his credit card (thinking it was due on the 15th) and saw a $35 late fee charged this morning because it was really due yesterday. I'm not so worried about the late fee, but I'm so annoyed with myself for paying the card a day late on it's 5th month! I've read that the card will (automatically?) graduate after 9 months to a non-secured card, but have I just rewound the clock to zero on this?Fri, 15 May 2009 16:57:16 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504162#M161639Mank2009-05-15T16:57:16ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504168#M161641
<P>Not sure how it will play out with the secured card but they don't consider you late until you're 30 days late (meaning missing 2 consecutive payments.) or at least not when I worked there they didn't. Right now you're a 5 days late status.&nbsp; Most credit cards are this way I think.&nbsp; Just a fee assessed but not reported to CB, but I would call customer service to verify just in case.&nbsp; Good luck.</P>Fri, 15 May 2009 17:01:34 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504168#M161641NinComPoop2009-05-15T17:01:34ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504171#M161642
<P>Yeah, I know it won't hit his credit report, but I really wanted the card to graduate to unsecured in September. Anyone know if I've screwed that up completely?</P>Fri, 15 May 2009 17:04:26 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504171#M161642Mank2009-05-15T17:04:26ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504218#M161653
Yeah you have to watch BofA. My date changes a lot. I did that one month too. It was due on the 6th for a four months straight. Then it changed to the 5th. So I paid one day late too once. Now it is the 11th. Sometimes it is due on a Sunday so be careful of that too. I wonder if they do that on purpose to see if you are paying attention.Fri, 15 May 2009 18:02:38 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504218#M161653gpeach2009-05-15T18:02:38ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504310#M161668
<BLOCKQUOTE><HR />Mank wrote:<BR /><P>Yeah, I know it won't hit his credit report, but I really wanted the card to graduate to unsecured in September. Anyone know if I've screwed that up completely?</P><HR /></BLOCKQUOTE><P>Maybe, maybe not. I would recommend calling a backdoor # to talk to a rep. "The due date changed" is an understandable mistake, they may forgive you for 1 day late if you show concern. If nothing else you could probably get that $35 charge reversed.</P>Fri, 15 May 2009 20:19:16 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504310#M161668KingAdrock2009-05-15T20:19:16ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504410#M161701
<BLOCKQUOTE><HR />NinComPoop wrote:<BR /><P>Not sure how it will play out with the secured card but <FONT color="#ff0000">they don't consider you late until you're </FONT>30 days late (meaning missing 2 consecutive payments.) or at least not when I worked there they didn't. Right now you're a 5 days late status.&nbsp; Most credit cards are this way I think.&nbsp; Just a fee assessed but not reported to CB, but I would call customer service to verify just in case.&nbsp; Good luck.</P><HR /></BLOCKQUOTE><P>I respectfully disagree.&nbsp; While BoA will not "report it" to the CRA's until 30 days late, they do track such late payments internally and it can cause rate increases, closures, rejections for CLI and even CLD.&nbsp; CapOne is the same as are many banks.&nbsp; While they profit off the late fees, they will have this "late" in their internal systems.</P><P>&nbsp;</P><P>BE SURE to set this up on auto pay for at least minimum.&nbsp; That way you are never late in such a case of error.</P>Fri, 15 May 2009 23:15:56 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504410#M161701txjohn2009-05-15T23:15:56ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504578#M161779
<BLOCKQUOTE><HR />gpeach wrote:<BR />Yeah you have to watch BofA. My date changes a lot. I did that one month too. It was due on the 6th for a four months straight. Then it changed to the 5th. So I paid one day late too once. Now it is the 11th. Sometimes it is due on a Sunday so be careful of that too. I wonder if they do that on purpose to see if you are paying attention.<HR /></BLOCKQUOTE><BLOCKQUOTE>This scam isn't talked about enough on this forum or in the media and BoA is the worst offender. Congress should forget about regulating interest rates and start with tackling more common problems like this one. I pay my CCs off every week or so, so I personally don't have this problem. But I've seen how easily it can happen if you wait until the day your payment is due.&nbsp;</BLOCKQUOTE><BLOCKQUOTE>I know that with Discover, I can change my due date to any day of the month I want. I think more banks should follow.</BLOCKQUOTE><P>&nbsp;</P>Sat, 16 May 2009 11:44:33 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504578#M161779JSmitty2009-05-16T11:44:33ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504580#M161780
<BLOCKQUOTE><HR />JSmitty wrote:<BR /><BLOCKQUOTE><HR />gpeach wrote:<BR />Yeah you have to watch BofA. My date changes a lot. I did that one month too. It was due on the 6th for a four months straight. Then it changed to the 5th. So I paid one day late too once. Now it is the 11th. Sometimes it is due on a Sunday so be careful of that too. I wonder if they do that on purpose to see if you are paying attention.<HR /></BLOCKQUOTE><BLOCKQUOTE>This scam isn't talked about enough on this forum or in the media and BoA is the worst offender. Congress should forget about regulating interest rates and start with tackling more common problems like this one. <FONT color="#0000ff">I pay my CCs off every week</FONT> or so, so I personally don't have this problem. But I've seen how easily it can happen if you wait until the day your payment is due.&nbsp;</BLOCKQUOTE><BLOCKQUOTE>I know that with Discover, I can change my due date to any day of the month I want. I think more banks should follow.</BLOCKQUOTE><P>&nbsp;</P><HR /></BLOCKQUOTE><P>issuers, notably amex, who has taken AA in some cases do not like this so much either apparently.&nbsp; it can be viewed as excessive if you're paying off at posting every few days,&nbsp;it is&nbsp;supposedly ideal to pay once before the reporting date which is often the statement date.&nbsp;</P><P>&nbsp;</P><P>issuers do track payment patterns and can&nbsp;use the info to arrive at conclusions about your current level of risk.&nbsp; in some cases, it is safer to do like the Jonses and apparently their most reliable customers usually pay once monthly.</P>Sat, 16 May 2009 12:07:15 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504580#M161780score_building2009-05-16T12:07:15ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504598#M161784
<BLOCKQUOTE><HR />txjohn wrote:<BR /><BLOCKQUOTE><HR />NinComPoop wrote:<BR /><P>Not sure how it will play out with the secured card but <FONT color="#ff0000">they don't consider you late until you're </FONT>30 days late (meaning missing 2 consecutive payments.) or at least not when I worked there they didn't. Right now you're a 5 days late status.&nbsp; Most credit cards are this way I think.&nbsp; Just a fee assessed but not reported to CB, but I would call customer service to verify just in case.&nbsp; Good luck.</P><HR /></BLOCKQUOTE><P>I respectfully disagree.&nbsp; While BoA will not "report it" to the CRA's until 30 days late, they do track such late payments internally and it can cause rate increases, closures, rejections for CLI and even CLD.&nbsp; CapOne is the same as are many banks.&nbsp; While they profit off the late fees, they will have this "late" in their internal systems.</P><P>&nbsp;</P><P>BE SURE to set this up on auto pay for at least minimum.&nbsp; That way you are never late in such a case of error.</P><HR /></BLOCKQUOTE><P>The policy may have changed <FONT color="#ff0000">but when I worked there in customer marketing</FONT>, which is the division that handles calls from credit card customers for general account inquiries, balance transfers, direct deposits and rate inquires/adjustments it wasn't held against you.&nbsp; A customer may have lost a promo on a balance transfer if they were late but the 30 day status meant something a lot more&nbsp;than a 5 day late.&nbsp; In the climate we are in now that may have changed but I am speaking from experience.&nbsp;</P><P>&nbsp;</P><P>I agree with the auto pay because I remember taking calls from upset customers because BOA will change the due date on someone for no apparent reason and you can request to have a specific due date but it's not written in stone they'll&nbsp;give it to you.&nbsp; I personally felt that it was to get over on people because a day or can be understandable but anywhere from 5-10 days doesn't make any sense, especially with no notice so I would always waive late fees when that happened and encouraged customers to use auto draft.</P>Sat, 16 May 2009 14:28:24 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504598#M161784NinComPoop2009-05-16T14:28:24ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504603#M161787
<BLOCKQUOTE><HR />NinComPoop wrote:<BR /><BLOCKQUOTE><HR />txjohn wrote:<BR /><BLOCKQUOTE><HR />NinComPoop wrote:<BR /><P>Not sure how it will play out with the secured card but <FONT color="#ff0000">they don't consider you late until you're </FONT>30 days late (meaning missing 2 consecutive payments.) or at least not when I worked there they didn't. Right now you're a 5 days late status.&nbsp; Most credit cards are this way I think.&nbsp; Just a fee assessed but not reported to CB, but I would call customer service to verify just in case.&nbsp; Good luck.</P><HR /></BLOCKQUOTE><P>I respectfully disagree.&nbsp; While BoA will not "report it" to the CRA's until 30 days late, they do track such late payments internally and it can cause rate increases, closures, rejections for CLI and even CLD.&nbsp; CapOne is the same as are many banks.&nbsp; While they profit off the late fees, they will have this "late" in their internal systems.</P><P>&nbsp;</P><P>BE SURE to set this up on auto pay for at least minimum.&nbsp; That way you are never late in such a case of error.</P><HR /></BLOCKQUOTE><P>The policy may have changed <FONT color="#ff0000">but when I worked there in customer marketing</FONT>, which is the division that handles calls from credit card customers for general account inquiries, balance transfers, direct deposits and rate inquires/adjustments it wasn't held against you.&nbsp; A customer may have lost a promo on a balance transfer if they were late but the 30 day status meant something a lot more&nbsp;than a 5 day late.&nbsp; In the climate we are in now that may have changed but I am speaking from experience.&nbsp;</P><P>&nbsp;</P><P>I agree with the auto pay because I remember taking calls from upset customers because BOA will change the due date on someone for no apparent reason and you can request to have a specific due date but it's not written in stone they'll&nbsp;give it to you.&nbsp; I personally felt that it was to get over on people because a day or can be understandable but anywhere from 5-10 days doesn't make any sense, especially with no notice so I would always waive late fees when that happened and encouraged customers to use auto draft.</P><HR /></BLOCKQUOTE><P>I am speaking of "credit analysts" and account review for CLI, CLD, etc.&nbsp; This exact scenario was held against my wife by BoA when asking for a CLI.&nbsp; The credit analyst specifically cited a late payment (paid 2 days late by mistake) as the reason.&nbsp; The late was 6 months previous and she was not even aware that it had been after the "date due" and had to go back and look at her statements and payments to believe it.</P><P>&nbsp;</P><P>While my wife had that experience with BoA, I had the exact same experience with CapOne, who refused me a CLI due to a payment 5 months previous which posted the day after the date due.</P><P>&nbsp;</P><P>I now have ALL accounts set to auto draft the minimum payment due by the CCC, just in case something happens, I forget, the mail gets lost, internet payments fail to post on time or I am hit by a bus and in a coma and unable to make my normal "before statement cut" payment.</P><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by txjohn on </SPAN><SPAN class="local-date">05-16-2009</SPAN><SPAN class="local-time"> 07:42 AM</SPAN></DIV>Sat, 16 May 2009 14:42:05 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/504603#M161787txjohn2009-05-16T14:42:05ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505021#M161929
<P>Oh boa did that all the time.&nbsp; Especially on credit cards.&nbsp; I had amex and visa and each month due date is different each month.&nbsp;&nbsp; Like they're hoping you're not checking your account so they can charge you a late fee.&nbsp;</P>Sun, 17 May 2009 06:28:55 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505021#M161929techman20082009-05-17T06:28:55ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505083#M161947
<BLOCKQUOTE><HR />txjohn wrote:<BR /><BR /><P>&nbsp;</P><P>While my wife had that experience with BoA, I had the exact same experience with CapOne, who refused me a CLI due to a payment 5 months previous which posted the day after the date due.</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Capital One recenty refused to waive AF or do a product change to a card with no AF when I called the back door number because my payment was <SPAN>late by 3 hours</SPAN> in December. They welcomed me to apply for the no AF card online. I know some have had good luck with Capital One, but I'm done with them for CCs (still have an auto loan with them that I've never had issues).</P>Sun, 17 May 2009 14:16:42 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505083#M161947tealwynd2009-05-17T14:16:42ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505170#M161975
<P><FONT color="#000000">The due date changed" is an understandable mistake, they may forgive you for 1 day late if you show concern. If nothing else you could probably get that $35 charge reversed.</FONT></P><P>&nbsp;</P><P><FONT color="#003366">My experience when I called in said they would credit me half. I ended up with a 12.00 credit. Which is more like a third. I was literally one day late too. Personally don' t do automatic payments anymore for credit cards due to that situation. Can't trust them.</FONT></P>Sun, 17 May 2009 18:02:19 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505170#M161975gpeach2009-05-17T18:02:19ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505173#M161976
<BLOCKQUOTE><HR />gpeach wrote:<BR /><P><FONT color="#000000">The due date changed" is an understandable mistake, they may forgive you for 1 day late if you show concern. If nothing else you could probably get that $35 charge reversed.</FONT></P><P>&nbsp;</P><P><FONT color="#003366">My experience when I called in said they would credit me half. I ended up with a 12.00 credit. Which is more like a third. I was literally one day late too. Personally don' t do automatic payments anymore for credit cards due to that situation. Can't trust them.</FONT></P><HR /></BLOCKQUOTE><P>&nbsp;</P>The auto payment should be by the CCC, not by Bill Pay.&nbsp; If you sign up for the CCC to auto draft the minimum (or PIF balance) they initiate the payment on time even if the date fluctuates.&nbsp; You get into trouble when you try to do auto Bill Pay from the other end.Sun, 17 May 2009 18:06:42 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505173#M161976txjohn2009-05-17T18:06:42ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505180#M161979
I would rather be in charge of paying the bill through my own Bill Pay from my CU account.&nbsp; I don't like other entities having the authority to access my account.&nbsp; As soon as the statement is available I'll go in and pay it, or schedule it well in advance of its due date.&nbsp; Whether you do it one way or the other is a small point and based on preference.&nbsp; The main poinit is bill pay by computer does not relieve you of the responsibility to make sure the bills get paid on time, just like we used to do with regular old mail.&nbsp; Even paying by computer I always follow up and make sure the accounts get credited a couple of days after the payment is made from my account.&nbsp; I take nothing for granted.&nbsp; Goof ups can sometimes occur.&nbsp;&nbsp;&nbsp;Sun, 17 May 2009 18:33:09 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505180#M161979Watchmann2009-05-17T18:33:09ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505183#M161980
<BLOCKQUOTE><HR />Watchmann wrote:<BR />I would rather be in charge of paying the bill through my own Bill Pay from my CU account.&nbsp; I don't like other entities having the authority to access my account.&nbsp; As soon as the statement is available I'll go in and pay it, or schedule it well in advance of its due date.&nbsp; Whether you do it one way or the other is a small point and based on preference.&nbsp; The main poinit is bill pay by computer does not relieve you of the responsibility to make sure the bills get paid on time, just like we used to do with regular old mail.&nbsp; Even paying by computer I always follow up and make sure the accounts get credited a couple of days after the payment is made from my account.&nbsp; I take nothing for granted.&nbsp; Goof ups can sometimes occur.&nbsp;&nbsp;&nbsp;<HR /></BLOCKQUOTE><P>I agree, I have a list of all my monthlies on a post it.</P><P>&nbsp;</P><P>Each month I log in schedule payment few days before due, then check to be sure money was both&nbsp;deducted and credited.</P><P>&nbsp;</P><P>If I can spend time every few days on this forum I should be able to spend a few minutes being sure my bills are paid</P><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by usmc58555 on </SPAN><SPAN class="local-date">05-17-2009</SPAN><SPAN class="local-time"> 11:44 AM</SPAN></DIV>Sun, 17 May 2009 18:44:24 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505183#M161980usmc585552009-05-17T18:44:24ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505436#M162064
<BLOCKQUOTE><HR />Watchmann wrote:<BR />I would rather be in charge of paying the bill through my own Bill Pay from my CU account.&nbsp; I don't like other entities having the authority to access my account.&nbsp; As soon as the statement is available I'll go in and pay it, or schedule it well in advance of its due date.&nbsp; Whether you do it one way or the other is a small point and based on preference.&nbsp; The main poinit is bill pay by computer does not relieve you of the responsibility to make sure the bills get paid on time, just like we used to do with regular old mail.&nbsp; Even paying by computer I always follow up and make sure the accounts get credited a couple of days after the payment is made from my account.&nbsp; I take nothing for granted.&nbsp; Goof ups can sometimes occur.&nbsp;&nbsp;&nbsp;<HR /></BLOCKQUOTE><P>&nbsp;</P><P>I agree and I never pay a bill less than&nbsp;2 weeks&nbsp;before it's due. This allows plenty of time to check and make sure it is recorded and if there were to be a glitch I have more than enough time to catch any mistakes.&nbsp;I leave nothing to chance, especially in todays credit climate.</P><P>&nbsp;</P><P>&nbsp;</P>Mon, 18 May 2009 13:08:41 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505436#M162064MsKiwi2009-05-18T13:08:41ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505470#M162082
<BLOCKQUOTE><HR />Watchmann wrote:<BR />I would rather be in charge of paying the bill through my own Bill Pay from my CU account.&nbsp; I don't like other entities having the authority to access my account.&nbsp; As soon as the statement is available I'll go in and pay it, or schedule it well in advance of its due date.&nbsp; Whether you do it one way or the other is a small point and based on preference.&nbsp; The main poinit is bill pay by computer does not relieve you of the responsibility to make sure the bills get paid on time, just like we used to do with regular old mail.&nbsp; Even paying by computer I always follow up and make sure the accounts get credited a couple of days after the payment is made from my account.&nbsp; I take nothing for granted.&nbsp; Goof ups can sometimes occur.&nbsp;&nbsp;&nbsp;<HR /></BLOCKQUOTE><P>&nbsp;</P><P>And in your case, where there is never a mistake, I would probably agree.&nbsp; But for those who have an incident or a late, having an auto draft of minimum can save them substantial credit issues down the road.</P><P>&nbsp;</P><P>Those who are organized and bullet proof need no back up.&nbsp; But for some, this is a good insurance policy.&nbsp; A reported late is a real problem which may not be resolved anytime soon.</P>Mon, 18 May 2009 13:57:36 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505470#M162082txjohn2009-05-18T13:57:36ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505496#M162093
<P>Thanks for everyone's input, but does anyone have any experience with the BOA partially secured card? I'm sure there's someone out there who has accidentally paid this card late and can tell me if it still graduated to unsecured on schedule?</P><P>&nbsp;</P><P>&nbsp;</P>Mon, 18 May 2009 14:19:18 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505496#M162093Mank2009-05-18T14:19:18ZRe: Oh no! Paid BOA 99/500 card late!http://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505498#M162094
i am fairly sure i've&nbsp;seen posts saying a late pay on a partially secured boa delayed the date of graduation.&nbsp; YMMV. &nbsp;perhaps someone who this happened to will chime in.Mon, 18 May 2009 14:23:00 GMThttp://ficoforums.myfico.com/t5/Credit-Cards/Oh-no-Paid-BOA-99-500-card-late/m-p/505498#M162094score_building2009-05-18T14:23:00Z